Updated June 2026 · FDIC Call Report Q2 2024
A-Rated Banks in California
74 banks · Average score: 89/100 · Combined assets $359.0B
74 banks in this state currently hold A grades, averaging a composite score of 89/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 28.01% and an NPL ratio of 0.26%, sourced from the most recent FDIC quarterly Call Report.
74 California banks earn an A grade on the BankHealth composite, with an average score of 89/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.
State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks California A-grade banks by health score with links to each bank's full profile.
What "A" Means in Practice
A-graded banks in California are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 74 banks chartered in California qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.
For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.
Tier-Wide Snapshot in California
| Banks in this grade tier | 74 |
| Combined assets | $359.0B |
| Average composite score | 89/100 |
| Average Tier 1 capital ratio | 28.01% |
| Average NPL ratio | 0.26% |
All A-Graded Banks in California
| # | Bank | City | Score | Assets | Tier 1 Capital | NPL Ratio | Liquidity |
|---|---|---|---|---|---|---|---|
| 1 | Summit Bank | Oakland | 100 | $296M | 21.55% | 0.00% | 30.95% |
| 2 | State Street B&T Co of Ca NA | Irvine | 100 | $9M | 100.35% | 0.00% | 98.60% |
| 3 | Deutsche Bank National Tr Co | Los Angeles | 100 | $432M | 58.66% | 0.00% | 75.92% |
| 4 | Capital Bank&Trust Co | Irvine | 100 | $174M | 190.32% | 0.00% | 72.13% |
| 5 | Bessemer Tr Co of Ca NA | San Francisco | 100 | $15M | 99.11% | 0.00% | 97.53% |
| 6 | Westamerica Bank | San Rafael | 99 | $6.3B | 15.10% | 0.19% | 80.53% |
| 7 | Bank of Stockton | Stockton | 98 | $4.3B | 16.83% | 0.14% | 43.41% |
| 8 | Hcn Bank | Riverside | 97 | $1.0B | 13.97% | 0.00% | 29.81% |
| 9 | Citizens Business Bank | Ontario | 97 | $16.2B | 15.13% | 0.29% | 37.38% |
| 10 | First American Trust FSB | Santa Ana | 97 | $6.4B | 38.40% | 0.00% | 95.79% |
| 11 | United Pacific Bank | City of Industry | 96 | $156M | 20.09% | 0.00% | 26.05% |
| 12 | Hatch Bank | San Marcos | 96 | $126M | 36.80% | 0.13% | 37.00% |
| 13 | Oak Valley Community Bank | Oakdale | 96 | $1.8B | 14.13% | 0.00% | 35.06% |
| 14 | Pacific Coast Bankers Bank | Walnut Creek | 96 | $1.2B | 27.24% | 0.00% | 49.34% |
| 15 | River Valley Community Bank | Yuba City | 96 | $613M | 15.00% | 0.00% | 47.09% |
| 16 | Golden Valley Bank | Chico | 96 | $492M | 16.43% | 0.00% | 42.50% |
| 17 | Plumas Bank | Quincy | 95 | $1.6B | 16.36% | 0.90% | 33.81% |
| 18 | Bank of Ny Mellon Tr Co NA | Los Angeles | 95 | $1.3B | 328.90% | 0.00% | 25.15% |
| 19 | El Dorado Savings Bank FSB | Placerville | 95 | $2.4B | 45.64% | 0.21% | 75.04% |
| 20 | Community Bk of Santa Maria | Santa Maria | 95 | $405M | 14.52% | 0.00% | 31.73% |
| 21 | Commerce West Bank | Irvine | 95 | $1.1B | 18.41% | 0.66% | 34.13% |
| 22 | Svg Bank of Mendocino County | Ukiah | 95 | $1.3B | 16.32% | 0.27% | 38.47% |
| 23 | Bac Community Bank | Stockton | 94 | $796M | 16.06% | 0.00% | 41.78% |
| 24 | Bank of Whittier NA | Whittier | 93 | $172M | 13.52% | 0.00% | 52.82% |
| 25 | Asian Pacific National Bank | San Gabriel | 93 | $57M | 18.74% | 0.00% | 41.80% |
| 26 | First Northern Bank of Dixon | Dixon | 93 | $1.9B | 15.44% | 0.64% | 40.24% |
| 27 | Infinity Bank | Santa Ana | 93 | $308M | 15.09% | 1.01% | 32.23% |
| 28 | Beacon Business Bank NA | San Francisco | 92 | $174M | 19.19% | 0.00% | 41.98% |
| 29 | Heritage Bank of Commerce | San Jose | 92 | $5.3B | 13.91% | 0.18% | 29.32% |
| 30 | Ffb Bank | Fresno | 92 | $1.4B | 19.67% | 1.27% | 29.17% |
| 31 | Column National Assn | Chico | 92 | $541M | 17.81% | 0.50% | 55.11% |
| 32 | Farmers&Merchants Bk Cntl Ca | Lodi | 91 | $5.3B | 13.33% | 0.00% | 25.50% |
| 33 | Farmers&Merchants Bk Long Be | Long Beach | 89 | $12.2B | 17.00% | 0.83% | 44.67% |
| 34 | City National Bank | Los Angeles | 89 | $92.2B | 14.94% | 0.55% | 26.69% |
| 35 | Mechanics Bank | Walnut Creek | 88 | $17.3B | 14.65% | 0.16% | 33.19% |
| 36 | Bank of the Sierra | Porterville | 88 | $3.7B | 11.60% | 0.29% | 32.99% |
| 37 | New Omni Bank National Assn | Alhambra | 88 | $506M | 30.19% | 1.14% | 26.38% |
| 38 | American Business Bank | Los Angeles | 88 | $3.9B | 11.94% | 0.26% | 31.16% |
| 39 | Pacific Premier Bank | Irvine | 87 | $18.3B | 17.97% | 0.42% | 21.46% |
| 40 | Tri Counties Bank | Chico | 86 | $9.7B | 13.81% | 0.49% | 23.33% |
| 41 | Community West Bank | Fresno | 86 | $3.5B | 13.99% | 0.13% | 27.26% |
| 42 | Universal Bank | West Covina | 86 | $384M | 17.54% | 0.00% | 21.58% |
| 43 | Mizrahi Tefahot Bank Ltd | Los Angeles | 86 | $8.9B | Not reported | 0.13% | 79.69% |
| 44 | California Intl Bank N A | Westminster | 86 | $58M | 38.65% | 0.00% | 24.32% |
| 45 | First General Bank | Rowland Heights | 86 | $1.1B | 23.34% | 1.04% | 22.20% |
| 46 | Bank Irvine | Irvine | 86 | $192M | 16.33% | 0.00% | 20.73% |
| 47 | Gbc International Bank | Los Angeles | 85 | $629M | 15.14% | 0.49% | 22.74% |
| 48 | Bank of America Ca NA | San Francisco | 85 | $15.0B | 29.72% | 0.73% | 24.38% |
| 49 | East West Bank | Pasadena | 85 | $72.3B | 13.06% | 0.31% | 22.49% |
| 50 | Blackrock Instl Tr Co NA | San Francisco | 85 | $4.5B | 66.06% | 0.00% | 14.60% |
| 51 | Mission Bank | Bakersfield | 85 | $1.7B | 11.81% | 0.04% | 23.74% |
| 52 | Chino Commercial Bank N A | Chino | 85 | $468M | 10.47% | 0.24% | 54.36% |
| 53 | Santa Cruz County Bank | Santa Cruz | 85 | $1.7B | 14.93% | 0.00% | 14.93% |
| 54 | Redwood Capital Bank | Eureka | 85 | $524M | 16.03% | 0.13% | 17.51% |
| 55 | United Business Bank | Walnut Creek | 85 | $2.6B | 17.47% | 0.86% | 22.33% |
| 56 | Mega Bank | San Gabriel | 85 | $518M | 15.65% | 0.45% | 20.62% |
| 57 | C3bank National Assn | Encinitas | 84 | $773M | 13.56% | 0.00% | 18.69% |
| 58 | Eastern International Bank | Los Angeles | 84 | $115M | 19.62% | 0.00% | 19.94% |
| 59 | Partners Bank of California | Mission Viejo | 84 | $483M | 13.94% | 0.00% | 18.29% |
| 60 | River City Bank | Sacramento | 83 | $5.1B | 11.89% | 0.00% | 21.41% |
| 61 | First Credit Bank | Los Angeles | 82 | $563M | 41.59% | 0.44% | 14.90% |
| 62 | Commercial Bank of Ca | Irvine | 82 | $2.5B | 10.52% | 0.14% | 28.58% |
| 63 | State Bank of India Ca | Los Angeles | 81 | $1.2B | 17.36% | 0.00% | 13.70% |
| 64 | Community Commerce Bank | Claremont | 81 | $392M | 18.91% | 0.18% | 16.64% |
| 65 | Malaga Bank FSB | Palos Verdes Pen | 81 | $1.4B | 26.20% | 0.00% | 11.27% |
| 66 | Community Bank of the Bay | Oakland | 81 | $1.0B | 10.09% | 0.00% | 27.76% |
| 67 | First Commercial Bank USA | Alhambra | 81 | $863M | 29.32% | 0.26% | 13.16% |
| 68 | American Continental Bank | City of Industry | 81 | $347M | 15.25% | 1.02% | 19.17% |
| 69 | California Business Bank | Irvine | 81 | $101M | 20.34% | 0.03% | 17.64% |
| 70 | SMBC Manubank | Los Angeles | 80 | $5.5B | 17.00% | 1.60% | 30.40% |
| 71 | Mission National Bank | San Francisco | 80 | $217M | 17.66% | 0.00% | 19.40% |
| 72 | First Pacific Bank | Whittier | 80 | $430M | 11.78% | 0.03% | 25.55% |
| 73 | American Riviera Bank | Santa Barbara | 80 | $1.3B | 12.85% | 0.06% | 20.39% |
| 74 | 1st Capital Bank | Salinas | 80 | $1.0B | 10.27% | 0.23% | 32.58% |
For Depositors at A-Graded Banks
FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.
For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.
How These Grades Are Calculated
Every bank earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.
Frequently Asked Questions
What does a A grade mean for a bank?
A-graded banks in California are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 74 banks chartered in California qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.
How many A-graded banks are in California?
74 banks in this state currently hold A grades, averaging a composite score of 89/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown.
What does this tier look like financially?
Across 74 A-graded banks in California, the average Tier 1 capital ratio is 28.01% and the average nonperforming-loan ratio is 0.26%. Combined assets in this cohort total $359.0B. These numbers come straight from the most recent quarterly FDIC Call Report.
Are deposits at A-graded banks still FDIC-insured?
For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.
Where does this data come from?
Bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-06-29 · 74 A-graded banks in California. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.